The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$53,072
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,678/mo
Today · 4.125%
HK$56,400
baseline
▲ 0.50% · 4.625%
HK$59,831
+HK$3,431/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$112,800/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,042
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,625
−HK$1,606/mo
Today · 4.125%
HK$62,231
baseline
▲ 0.50% · 4.625%
HK$65,512
+HK$3,281/mo
Deposit HK$11.64M · loan HK$11.64M · min. income ≈ HK$124,462/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,686
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$2,013/mo
Today · 4.125%
HK$67,680
baseline
▲ 0.50% · 4.625%
HK$71,798
+HK$4,118/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$135,360/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,850
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,750
−HK$1,928/mo
Today · 4.125%
HK$74,678
baseline
▲ 0.50% · 4.625%
HK$78,614
+HK$3,936/mo
Deposit HK$9.31M · loan HK$13.96M · min. income ≈ HK$149,356/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,300
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,611
−HK$2,348/mo
Today · 4.125%
HK$78,959
baseline
▲ 0.50% · 4.625%
HK$83,764
+HK$4,805/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$157,918/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,658
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,875
−HK$2,249/mo
Today · 4.125%
HK$87,124
baseline
▲ 0.50% · 4.625%
HK$91,716
+HK$4,592/mo
Deposit HK$6.98M · loan HK$16.29M · min. income ≈ HK$174,248/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,529
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,500
−HK$3,019/mo
Today · 4.125%
HK$101,519
baseline
▲ 0.50% · 4.625%
HK$107,696
+HK$6,177/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$203,038/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,275
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,125
−HK$2,891/mo
Today · 4.125%
HK$112,016
baseline
▲ 0.50% · 4.625%
HK$117,921
+HK$5,905/mo
Deposit HK$2.33M · loan HK$20.95M · min. income ≈ HK$224,032/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$989,161 · Scale 2, in force from 26 Feb 2026)